Home Loans Online Application | Bank of Melbourne

How it works
Application online
Special offers
Products & tools

Here's how it works

Do it your way

Get your home loan online, over the phone or face-to-face. Whatever suits you.

Paperless process

Paperwork. Yuck. Use our step-by-step online process to apply instead.

Get your own rate

We'll personalise an interest rate to you as soon as you finish your application.

Ask us anything

Not a home loan expert? Don't worry - we are. Ask our Concierge today.

Start your application online

Learn how much you could borrow.

Receive indicative approval in under 15 minutes.

Our Concierge will call you once you've submitted your application to help handle the rest of the process.

Special offer

$2k

Cashback^ When you refinance

For new Owner Occupier (Principal & Interest) or Investment home loans with the Advantage Package. $395 annual package fee and $250k min loan per property applies. Excludes refinances from within Westpac Group. Applications received by 30 September 2019, with loan settled by 30 November 2019.

What else do I need to know?

^$2,000 Refinance Cashback
For new home loan refinance applications received from 1 April 2019 to 30 September 2019, with loan settled by 30 November 2019 and taken as part of the Advantage Package. Offer current as at 1 July 2019. $250k min loan per property refinanced. Only 1 cashback per property refinance will be paid regardless of the number of loans involved. Offer may be varied or withdrawn at any time. Excludes Portfolio Loans, switches and refinances of home loans within the Westpac Group which include Bank of Melbourne, Westpac, St.George Bank, BankSA and RAMS. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Advantage Package Terms and Conditions apply. A $395 annual package fee applies and is payable from an eligible Bank of Melbourne transaction account. Applicants must have a Bank of Melbourne transaction account linked to the home loan at the time of settlement and must keep this account open for 60 days after settlement. Applicants’ home loan repayments must be direct debited from this transaction account. The cashback will be paid into this account within 60 days after settlement. Before deciding to acquire a Bank of Melbourne transaction account, read the terms and conditions and consider if the product is right for you. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.

Our Home Loans

We offer a range of mortgages to suit your needs with competitive interest rates.

Calculators & Rates

Find your home loan

See at a glance how fees, features and loan purposes differ by product.

Compare our Home Loans Compare our Home Loans

The Detail

Conditions, fees and credit criteria apply.

Based on Bank of Melbourne credit criteria, residential lending is not available for Non-Australian resident borrowers.

Before making a decision, it’s best to read the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 13 22 66. Tax consequences may arise from promotions for investors and customers should seek independent advice on any taxation matters.

Property valuation: valuation is valid for 90 days. Your upfront bank valuation assessment may require further valuation assessment if your property does not fit lending guidelines.

Personalised rate: A variable rate loan discount is valid for 14 days and a fixed rate discount is valid for 5 days. All interest rates are subject to change.

Support and live chat: dedicated teams are here to help you 7 days a week. Available 8am-10pm Mon-Fri and 9am-5pm Sat-Sun.

Welcome to our Home Loan Concierge